Regulatory Disclosures

Finuture Technologies Private Limited · SEBI Registered Investment Adviser, Reg. No. INA000019521 · IAASB Enlistment No. 2207 · CIN U80903MH2022PTC392430

Document version 1.0 · Last updated September 2026

This Investor Charter is intended to provide investors with a clear understanding of the services provided by Finuture Technologies Private Limited ("Finuture" / "FOLO"), investor rights and responsibilities, and the grievance redressal mechanism.

This Charter should be read together with the applicable Terms of Service, Privacy Policy, fee disclosures and other applicable documents.

A. Vision & Mission

Vision
Empowering investors through unified financial visibility, data control and objective financial intelligence.

Mission
To help investors consolidate their financial information, understand their overall financial position and make informed financial decisions through transparent, data-driven insights.

B. Details of Business Transacted by Finuture with Investors

Finuture operates the FOLO platform, which enables investors to consolidate and understand information relating to their financial assets, liabilities and investments through consent-based data sources.

Finuture's services may include financial data aggregation, financial visibility, portfolio analytics, financial insights and, where separately subscribed to and provided in accordance with applicable SEBI requirements, investment advisory services.

1. Consent-Based Financial Data Aggregation

FOLO enables investors to connect financial accounts through consent-based mechanisms, including RBI-regulated Account Aggregators and other authorised or credible data sources, as applicable.

The investor remains in control of the financial accounts and data sources connected to FOLO and may manage or withdraw applicable data permissions through the relevant consent mechanism.

FOLO does not ask investors to share their internet banking passwords, trading passwords, PINs or other confidential authentication credentials.

2. Financial Visibility & Portfolio Analytics

Based on information successfully received from connected data sources, FOLO may provide consolidated information and analytics relating to:

Net worth
Assets and liabilities
Asset allocation
Investment allocation
Sector allocation
Market-cap allocation
Portfolio concentration
Portfolio overlap
Liquidity and maturity information
Insurance and protection
Other portfolio and financial observations

The availability, completeness and timeliness of such information depend on the underlying financial institution, Account Aggregator, market-data provider or other data source.

FOLO does not represent that the information displayed on the platform will always be complete, current or error-free.

3. Investment Advisory Services

Where an investor separately avails regulated investment advisory services from Finuture, such services will be provided in accordance with applicable SEBI requirements.

Finuture will conduct the applicable risk profiling and suitability assessment before providing personalised investment advice.

FOLO's financial aggregation, portfolio analytics, educational information and general financial observations, by themselves, do not constitute personalised investment advice.

Accordingly, users who have not completed the applicable advisory onboarding, risk-profiling and suitability process should not treat FOLO's general analytics or observations as personalised investment advice.

4. Client Agreement

For regulated investment advisory services, Finuture will enter into the applicable Investment Advisory Agreement with the client covering, among other matters:

Scope of advisory services
Fees and applicable charges
Terms and conditions
Conflict-of-interest disclosures
Confidentiality
Termination provisions
Applicable rights and responsibilities

No investment advice will be provided and no advisory fee will be charged until the applicable advisory agreement has been completed in accordance with regulatory requirements.

C. Standards & Commitments

Finuture is committed to the following standards in its regulated investment advisory activities:

Unbiased Risk Profiling & Suitability
Investment advice will be provided only after the applicable risk profiling and suitability assessment has been completed. Advice will be based on the client's relevant financial circumstances, investment objectives, risk profile and suitability requirements.

Transparency
Finuture will provide appropriate disclosures regarding its business, applicable fees, affiliations, conflicts of interest and other material information required under applicable regulations.

Confidentiality
Finuture will maintain confidentiality of investor information and will disclose such information only where required by law, regulation, contractual obligations or with the investor's specific consent.

Data Security
Finuture maintains appropriate technical and organisational safeguards for the protection of financial and personal information.

Qualified Personnel
Investment advisory services will be provided through appropriately qualified and certified personnel in accordance with applicable regulatory requirements.

Records
Finuture will maintain appropriate records of advisory-related communications, transactions and other information as required under applicable regulations.

Annual Compliance & Audit
Finuture will undertake applicable compliance and audit requirements prescribed for SEBI-registered Investment Advisers.

Fair Treatment
Finuture will treat investors fairly and without discrimination among clients availing the same or similar advisory services.

Conflict Management
Finuture will identify, manage and disclose applicable conflicts of interest relating to its investment advisory activities in accordance with regulatory requirements.

Artificial Intelligence & Technology Disclosure
Where artificial intelligence, machine learning or automated analytical tools are used in providing regulated investment advisory services, the applicable extent of such use will be disclosed to clients as required under the applicable regulatory framework.

D. Important Limitations & Disclosures

FOLO's consolidated financial information is dependent on information received from external financial institutions, Account Aggregators, market-data providers and other data sources. Accordingly:

Data may be delayed, incomplete or temporarily unavailable.
Some financial accounts or asset classes may not be supported by the relevant data source.
Values displayed on FOLO may change as underlying data is refreshed.
Market-linked values are subject to market movements.
Historical information or portfolio analytics should not be interpreted as a guarantee of future performance.
No investment return or investment outcome is guaranteed.
FOLO does not guarantee that any particular investment strategy or recommendation will achieve a particular result.

Investors should independently evaluate the risks, liquidity, costs and suitability of an investment before making an investment decision.

E. Rights of Investors

Investors have the following rights:

Right to Privacy & Confidentiality: To expect appropriate protection of personal and financial information in accordance with applicable law and Finuture's privacy and security practices.
Right to Transparent Practices: To receive clear information regarding the nature, scope and applicable fees of services.
Right to Fair & Equitable Treatment: To receive fair and non-discriminatory treatment.
Right to Adequate Information: To receive material information required to make informed decisions regarding the services being provided.
Right to Regulatory Disclosure: To receive information regarding applicable regulatory status, registration details, statutory disclosures and grievance mechanisms.
Right to Fair & True Communication: To receive communications that are accurate, clear and not misleading.
Right to Information on Service Timelines: To be informed of applicable service parameters and timelines.
Right to Grievance Redressal: To raise complaints and receive timely redressal in accordance with applicable regulatory timelines.
Right to Suitability: Where regulated investment advice is provided, to receive advice based on the applicable risk profile and suitability assessment.
Right to Exit: To discontinue the applicable advisory service in accordance with the terms of the relevant agreement.
Right to Feedback: To provide feedback regarding the financial products and services received.
Right to Protection from Unfair Terms: To not be bound by any contractual provision that contravenes applicable regulatory requirements.

F. Investor Responsibilities

Do's

Verify Registration: Deal only with a SEBI-registered Investment Adviser for regulated investment advisory services and verify the validity of the registration.
Check Registration Details: Verify the SEBI registration number and other regulatory details before subscribing to advisory services.
Understand the Service: Understand whether a particular FOLO service is financial data aggregation, portfolio analytics, educational information or regulated investment advice.
Complete Risk Profiling: Before accepting personalised investment advice, ensure that the applicable risk profiling and suitability process has been completed.
Read the Agreement: Carefully read the Investment Advisory Agreement, fees, terms, disclosures and applicable advisory plan before subscribing.
Pay Fees Through Official Channels: Pay advisory fees only through authorised banking channels or the applicable centralised fee-collection mechanism, where available.
Verify Your Data: Periodically review connected accounts and financial information displayed on FOLO and notify us of material discrepancies.
Ask Questions: Ask questions and seek clarification from Finuture before acting on investment advice.
Assess Risk: Consider the risk, return, liquidity, costs and other relevant characteristics of an investment before investing.
Stay Vigilant: Use only official FOLO / Finuture communication channels and report suspicious communications or activity.

Don'ts

Do Not Transfer Investment Funds: Do not transfer funds intended for investment to Finuture or any person claiming to invest money on your behalf.
Do Not Share Passwords: Never share your bank, trading or demat passwords, PINs, OTPs or other confidential login credentials with Finuture or anyone claiming to represent it.
Do Not Rely on Unverified Tips: Do not rely on stock tips, investment calls or market rumours from unofficial sources claiming to represent Finuture.
Do Not Rely on Guaranteed Returns: Do not act on any representation promising assured, guaranteed, fixed or exorbitant returns.
Do Not Invest Under Pressure: Do not make investment decisions solely because of repeated calls, messages, limited-period offers, incentives or other pressure.
Do Not Ignore Suitability: Do not invest in products that do not match your financial circumstances, investment objectives or risk appetite.

G. Grievance Redressal Mechanism

Finuture is committed to addressing investor complaints in a fair and timely manner.

Stage 1: Finuture

Investors may raise a complaint through:

Email: hello@finuture.in
In-App Support: FOLO Support / WhatsApp

Finuture will strive to resolve complaints promptly and, in accordance with the applicable SEBI framework, within 21 calendar days of receipt.

Stage 2: SCORES / IAASB

If the investor is not satisfied with the resolution, or the complaint remains unresolved within the applicable timeline, the investor may approach SEBI's SCORES 2.0 platform.

SCORES 2.0: https://scores.sebi.gov.in/

Complaints against Investment Advisers are subject to the applicable review mechanism involving the designated Investment Adviser Administration and Supervisory Body (IAASB) and SEBI. Investors may also approach the designated IAASB through its applicable grievance mechanism.

Stage 3: SMART ODR

If the investor remains dissatisfied, the investor may use the SMART Online Dispute Resolution (ODR) Platform for online conciliation or arbitration, as applicable.

SMART ODR: https://smartodr.in

Physical Complaints

Investors may also send physical complaints to:

Office of Investor Assistance and Education
Securities and Exchange Board of India
SEBI Bhavan, Plot No. C4-A, 'G' Block
Bandra-Kurla Complex, Bandra (East)
Mumbai 400 051

H. Regulatory & Entity Disclosures

Legal Entity: Finuture Technologies Private Limited
Brand Name: FOLO
Type of Registration: Non-Individual Investment Adviser
SEBI Registration No.: INA000019521
Validity of Registration: Perpetual
IAASB Enlistment / Membership No.: 2207
Corporate Office: #78/9, WeWork, Vaishnavi Signature, Bellandur, Bengaluru, Karnataka 560103
Telephone: 8550022001
Email:hello@finuture.in
Website:www.folo.one

Principal Officer
Name: Munmun Desai
Designation: CEO & Co-Founder
Contact: 8550022522
Email: munmun@finuture.in

Compliance Officer / Grievance Officer
Name: Prashant Agrawal
Designation: Founding Member
Contact: 8550022001
Email: prashant.agrawal@finuture.in

I. Statutory Disclaimer

Investment in securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, enlistment with IAASB and certification from NISM in no way guarantee performance of the Investment Adviser or provide any assurance of returns to investors.

Data as of 31 August 2026 · Last updated September 2026 · Updated monthly

Summary of investor complaints received

Sr. No.	Received from	Pending at the end of last month	Received	Resolved*	Total pending#	Pending complaints > 3 months	Average resolution time^ (in days)
1	Directly from investors	0	0	0	0	0	0
2	SEBI (SCORES)	0	0	0	0	0	0
3	Other sources (if any)	0	0	0	0	0	0
	Grand total	0	0	0	0	0	0

^ Average resolution time is the sum total of time taken to resolve each complaint in days, in the current month, divided by the total number of complaints resolved in the current month.

Number of complaints received during the month against the IA due to impersonation by some other entity: 0

Trend of monthly disposal of complaints

Sr. No.	Month	Carried forward from previous month	Received	Resolved*	Pending#
1	April 2025	0	0	0	0
2	May 2025	0	0	0	0
3	June 2025	0	0	0	0
4	July 2025	0	0	0	0
5	August 2025	0	0	0	0
6	September 2025	0	0	0	0
7	October 2025	0	0	0	0
8	November 2025	0	0	0	0
9	December 2025	0	0	0	0
10	January 2026	0	0	0	0
11	February 2026	0	0	0	0
12	March 2026	0	0	0	0
13	April 2026	0	0	0	0
14	May 2026	0	0	0	0
15	June 2026	0	0	0	0
16	July 2026	0	0	0	0
17	August 2026	0	0	0	0
	Grand total	0	0	0	0

* Inclusive of complaints of previous months resolved in the current month.
# Inclusive of complaints pending as on the last day of the month.

Trend of annual disposal of complaints

SN	Year	Carried forward from previous year	Received	Resolved*	Pending#
1	2024-25 (from 11 Sept 2024)	0	0	0	0
2	2025-26	0	0	0	0
3	2026-27 (till August 2026)	0	0	0	0
	Grand total	0	0	0	0

* Inclusive of complaints of previous years resolved in the current year.
# Inclusive of complaints pending as on the last day of the year.

Document version 1.0 · Last updated September 2026

Grievance redressal

We welcome your feedback; it helps us improve our products and services for our clients. If you are dissatisfied with any aspect of our products or services and wish to make a complaint, please follow the procedure below.

You can submit your grievance or complaint at hello@finuture.in, through FOLO Support inside the app, or on WhatsApp at +91 85500 22001.

To help us investigate and resolve your complaint as quickly as possible, please provide the following information:

Your name and registered mobile number or email
Your FOLO account details
A clear description of your concern or complaint
Details of what you would like us to do to resolve the complaint
Copies of any relevant documents or screenshots
A telephone number where we can contact you
Timings at which you would prefer us to contact you

We will acknowledge your complaint and strive to resolve it promptly and, in accordance with the applicable SEBI framework, within 21 calendar days of receipt.

Grievance redressal / escalation matrix

Details of designation	Contact person name	Address where the physical address location	Contact no.	Email ID	Working hours when complainant can call
Level 1Customer Care	Lakshya Tiwari	#78/9, WeWork, Vaishnavi Signature, Bellandur, Bengaluru, Karnataka 560103	+91 85500 22001	hello@finuture.in	10 a.m. to 6 p.m. Monday to Friday
Level 2Compliance Officer / Grievance Officer	Prashant Agrawal	Same as above	+91 85500 22001	prashant.agrawal@finuture.in	10 a.m. to 6 p.m. Monday to Friday
Level 3Principal Officer and CEO	Munmun Desai	Same as above	+91 85500 22522	munmun@finuture.in	10 a.m. to 6 p.m. Monday to Friday

If a complaint is not resolved at the Customer Care level, it moves to the Compliance Officer, and thereafter to the Principal Officer. You may also write directly to the Compliance Officer at any stage.

If you are not satisfied with our response

SCORES 2.0: If you are not satisfied with the response of the Investment Adviser, or the complaint remains unresolved within the applicable timeline, you can lodge your grievance with SEBI at scores.sebi.gov.in, or write to any of the offices of SEBI.

IAASB: Complaints against Investment Advisers are subject to the review mechanism involving the designated Investment Adviser Administration and Supervisory Body (IAASB) and SEBI. You may also approach the IAASB through its grievance mechanism.

SMART ODR: In the unlikely event that your issue remains unresolved, you can also opt for online resolution of the dispute on the SMART ODR Portal at smartodr.in.

Physical complaints to SEBI: Office of Investor Assistance and Education, Securities and Exchange Board of India, SEBI Bhavan, Plot No. C4-A, G Block, Bandra Kurla Complex, Bandra (East), Mumbai 400051.

Document version 1.0 · Last updated September 2026

Company details

This document lays out the Disclosures and Disclaimers that apply to the access and use of the Platform https://www.folo.one/, the FOLO mobile application, and any other subdomain or platform which is owned, developed, managed or operated by Finuture Technologies Private Limited and/or its affiliates. The website, app and the other aforesaid subdomains or platforms are collectively referred to as the "Platform".

Finuture Technologies Private Limited ("Finuture", "FOLO", "Company", "we", "us") is a SEBI registered Investment Adviser (Registration No. INA000019521, Non-Individual, valid from 11 September 2024 to perpetual) and is enlisted with the Investment Adviser Administration and Supervisory Body (IAASB) with Enlistment No. 2207.

Registered office: Floor 2, Plot 264/265, Vaswani Chambers, Dr. Annie Besant Road, Worli Colony, Mumbai, Maharashtra 400030

Corporate office: #78/9, WeWork, Vaishnavi Signature, Bellandur, Bengaluru, Karnataka 560103

The CIN of the Company is U80903MH2022PTC392430.

FOLO operates as a single legal entity. The Platform, its technology, and the investment advisory services are all owned and operated by Finuture Technologies Private Limited. There is no separate technology or distribution entity between the Company and its clients.

Activities

The Platform enables investors to consolidate information about their financial assets, liabilities and investments through consent-based data sources, including RBI-regulated Account Aggregators and other authorised data sources. On this basis, FOLO shows consolidated information and analytics such as net worth, asset and liability breakdowns, asset allocation, sector and market-cap allocation, portfolio concentration and overlap, liquidity and maturity information, and insurance cover.

All investment advisory services are provided under the advisory division of the Company and only to clients who have completed the applicable onboarding, risk profiling and suitability assessment and signed the Investment Advisory Agreement. FOLO's financial data aggregation, portfolio analytics, calculators, educational content and general financial observations, by themselves, do not constitute personalised investment advice.

The content and data available in the material prepared by the Company and on the Platform, including but not limited to net worth figures, portfolio values, allocation and overlap analytics, benchmark comparisons, calculator outputs, return numbers and rationale, are for information and illustration purposes only. Values depend on the underlying financial institution, Account Aggregator, market-data provider or other data source, and may be delayed, incomplete or temporarily unavailable. Charts and performance numbers do not include the impact of transaction fees and other related costs. Past performance does not guarantee future returns, and investments are subject to market risk.

Information present in any research or analytical material prepared by the Company and on the Platform shall not be considered a solicitation of an investment. Investors are responsible for their investment decisions and for validating all information used to make those decisions. An investor should understand that their investment decision is based on personal investment needs and risk tolerance, and that information on the Platform is one among many things that may be considered while making an investment decision.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Registration granted by SEBI, enlistment with IAASB and certification from NISM in no way guarantee the performance of the Investment Adviser or provide any assurance of returns to investors.

Disciplinary history

The Company has neither been suspended nor debarred from doing business by any Stock Exchange, SEBI or any other authority, nor has its certificate of registration been cancelled by SEBI at any point in time.

The Company is not engaged in merchant banking, investment banking or any brokerage services. FOLO does not execute transactions, hold client funds or securities, or accept money for investment on behalf of clients.

Reports or research material prepared by the Company are not to be construed as an offer to buy or sell or the solicitation of an offer to buy or sell any security in any jurisdiction where such offer or solicitation would be illegal. Such material does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, risk profile and needs of individual clients.

While we endeavour to update the information and material on various products and reports created by us on a reasonable basis, there may be regulatory, compliance or other reasons that prevent us from doing so.

We and our associates, officers, directors and employees, worldwide, may: (a) from time to time have long or short positions in, and buy or sell the securities of, companies forming part of the products or reports created by the Company, or (b) have other potential or material conflicts of interest with respect to any company covered in various products or reports created by the Company. Any such position or conflict of interest will be appropriately disclosed and dealt with in accordance with applicable law.

The Company does not provide any promise or assurance of a favourable view for a particular industry, sector or business group in any manner. The investor is requested to take into consideration all the risk factors, including their financial condition and suitability to their risk-return profile, and to take professional advice before investing.

The analysts for various products or reports created by the Company certify that all of the information and material therein accurately reflects their personal views about the subject companies and their securities, and that no part of their compensation was, is, or will be directly or indirectly related to the companies covered. No part of this material may be duplicated in any form and/or redistributed without the prior written consent of the Company.

Use of AI tools

We do not use Artificial Intelligence (AI) for arriving at personalised investment advice. Investment advice is prepared and reviewed by qualified personnel of the Company.

We may use certain AI tools, including generative, agentic or other AI-based platforms, for productivity, research and analysis. The insights, observations and analytics shown on the Platform are generated from the data connected by the user and are meant to help the user understand their financial position. They are not personalised investment advice.

In any case, we expressly undertake to be solely responsible for the security, confidentiality and integrity of client data, the use of any information or data to arrive at investment advice, investment advice based on the output of AI tools, and compliance with any law for the time being in force. Further, we will disclose to clients, from time to time and as may be applicable, the extent of use of AI tools in providing investment advice.

Other disclosures

The Company has served as an officer, director or employee of the subject company(ies): No
We or our associates may have received compensation from the subject company(ies) in the past 12 months: No
We or our associates have managed or co-managed a public offering of securities for the subject company(ies) in the past 12 months: No
We or our associates may have received compensation or other benefits from the subject company(ies) or a third party in connection with the products or reports created by the Company: No
We have a financial interest in the subject company(ies): No
The Company has a financial interest in the subject company(ies) at the end of the month immediately preceding the date of sharing of products or reports created by the Company: No
Nature of financial interest is holding of equity shares or derivatives of the subject company. Our associates do not have actual/beneficial ownership of 1% or more securities of the subject company(ies) at the end of the month immediately preceding the date of sharing of products or reports created by the Company.
The Company has actual/beneficial ownership of 1% or more securities of the subject company(ies) at the end of the month immediately preceding the date of sharing of products or reports created by the Company: No

All grievances should be addressed to our Compliance Officer / Grievance Officer, Mr. Prashant Agrawal, at prashant.agrawal@finuture.in or by calling +91 85500 22001.

Last updated September 2026

Status of annual compliance audit

Disclosure with respect to compliance with the annual compliance audit requirement under Regulation 19(3) of the Securities and Exchange Board of India (Investment Advisers) Regulations, 2013 is as under:

Sr. No.	Financial year	Compliance audit status	Remarks, if any
1	FY 2024-25	Conducted	None

Finuture Technologies Private Limited undertakes the compliance and audit requirements prescribed for SEBI-registered Investment Advisers, and will update this page within the timelines prescribed by SEBI.